Systems and methods for a merchant payment card marketing laboratory

Abstract

In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.

The invention claimed is: 
     
       1. A computer-implemented method, comprising:
 providing, from a testing laboratory device and to a merchant device associated with a first merchant, data to display at a display of the merchant device a graphical user interface comprising:
 a first area configured to receive a selection of a type of marketing channel and customizable message content, the customizable message content listing a product; and 
 a second area configured to receive a selection of a type of marketing offer and a customer segment; 
 
 receiving, by the testing laboratory device, a market analysis request from the merchant device comprising identifications of a type of marketing channel, customizable message content, a type of marketing offer, and a customer segment, the identifications being based on at least one selection received by the first area and at least one selection received by the second area; 
 determining that the market analysis request cannot be completed based on existing data accessible to the testing laboratory device; 
 transmitting, based on the determination that the market analysis request cannot be completed, a marketing message to a client device associated with a customer based on the identifications in the request; 
 receiving, by the testing laboratory device, cookie data of the client device associated with the customer, the cookie data comprising (i) a tracking number identifying a financial service account of the customer and (ii) online activity of the customer; 
 determining the customer received the marketing message based on the received cookie data; 
 determining, by the testing laboratory device, transaction data and a portion of the cookie data associated with an online purchase by the customer occurring in response to the marketing message, wherein:
 the transaction data (i) is received by the testing laboratory device from a database separate from the testing laboratory device and associated with the financial service account of the customer and (ii) indicates that the online purchase is within a pre-determined time period of the customer receiving the marketing message, 
 the cookie data indicates online activity that is related to the online purchase and is within the pre-determined time period of the customer receiving the marketing message, and 
 the online purchase is an online purchase of the product from a second merchant and is associated with the financial service account of the customer; 
 
 receiving financial data associated with financial transactions of the customer from the database; 
 receiving demographic information associated with the customer, the demographic information comprising at least one of the customer's income, the customer's personal interests, the customer's current location, or the customer's marital status; 
 determining, by the testing laboratory device, analysis results responsive to the received market analysis request, the determination being based on the transaction data, the portion of the cookie data, and at least one of the financial data or the demographic information, wherein the analysis results comprise a plurality of transaction data for purchases of different customers, the customers having similar financial data or demographic information; 
 generating, by the testing laboratory device, a report indicating at least the determined analysis results; and 
 providing, by the testing laboratory device, the report to the merchant device. 
 
     
     
       2. The method of  claim 1 , wherein determining the transaction data associated with the online purchase includes at least a determination that the online purchase was made within a specified time period for the product based on stock keeping unit (SKU) data. 
     
     
       3. The method of  claim 1 , wherein the online activity comprises an internet browsing history associated with the client device associated with the customer. 
     
     
       4. The method of  claim 1 , wherein the marketing message comprises at least one of a percentage discount offer, a monetary discount offer, or a bundling discount offer to buy the product from the first merchant. 
     
     
       5. The method of  claim 1 , wherein the marketing message comprises:
 a first marketing message offering, to the customer according to a first criteria via a plurality of marketing channels, a first discount for the product from the first merchant; 
 a second marketing message offering, to the customer according to a second criteria via a plurality of marketing channels, a second discount for the product; and 
 a third marketing message offering, to the customer according to a third criteria via a plurality of marketing channels, a third discount for the product. 
 
     
     
       6. The method of  claim 5 , wherein the analysis results identify which of the first marketing message, the second marketing message, or the third marketing message resulted in most purchases of the product. 
     
     
       7. A device, comprising:
 a memory storing software instructions, the software instructions including an application configured to perform marketing analysis processes, and 
 one or more processors configured to execute the software instructions to:
 provide, from a testing laboratory device and to a merchant device associated with a first merchant, data to display at a display of the merchant device a graphical user interface comprising:
 a first area configured to receive a selection of a type of marketing channel and customizable message content, the customizable message content listing a product; and 
 a second area configured to receive a selection of a type of marketing offer and a customer segment; 
 
 receive, by the testing laboratory device, a market analysis request from the merchant device comprising identifications of a type of marketing channel, customizable message content, a type of marketing offer, and a customer segment, the identifications being based on at least one selection received by the first area and at least one selection received by the second area; 
 determine that the market analysis request cannot be completed based on existing data accessible to the testing laboratory device; 
 transmit, based on the determination that the market analysis request cannot be completed, a marketing message to a client device associated with a customer based on the identifications in the request; 
 receive, by the testing laboratory device, cookie data of the client device associated with the customer, the cookie data comprising (i) a tracking number identifying a financial service account of the customer and (ii) online activity of the customer; 
 determine the customer received the marketing message based on the received cookie data; 
 determine, by the testing laboratory device, transaction data and a portion of the cookie data associated with an online purchase by the customer occurring in response to the marketing message, wherein:
 the transaction data (i) is received by the testing laboratory device from a database separate from the testing laboratory device and associated with the financial service account of the customer and (ii) indicates that the online purchase is within a pre-determined time period of the customer receiving the marketing message, 
 the cookie data indicates online activity that is related to the online purchase and is within the pre-determined time period of the customer receiving the marketing message, and 
 the online purchase is an online purchase of the product from a second merchant and is associated with the financial service account of the customer; 
 
 
 receive financial data associated with financial transactions of the customer from the database; 
 receive demographic information associated with the customer, the demographic information comprising at least one of the customer's income, the customer's personal interests, the customer's current location, or the customer's marital status; 
 determine, by the testing laboratory device, analysis results responsive to the received market analysis request, the determination being based on the transaction data, the portion of the cookie data, and at least one of the financial data or the demographic information, wherein the analysis results comprise a plurality of transaction data for purchases of different customers, the customers having similar financial data or demographic information; 
 generate, by the testing laboratory device a report indicating at least the determined analysis results; and 
 provide, by the testing laboratory device, the report to the merchant device. 
 
     
     
       8. The device of  claim 7 , wherein determining the transaction data associated with the online purchase includes at least a determination that the online purchase was made within a specified time period for the product based on stock keeping unit (SKU) data. 
     
     
       9. The device of  claim 7 , wherein the online activity comprises an internet browsing history associated with the client device associated with the customer. 
     
     
       10. The device of  claim 7 , wherein the marketing message comprises at least one of a percentage discount offer, a monetary discount offer, or a bundling discount offer to buy the product from the first merchant. 
     
     
       11. The device of  claim 7 , wherein the marketing message comprises:
 a first marketing message offering, to the customer according to a first criteria via a plurality of marketing channels, a first discount for the product from the first merchant; 
 a second marketing message offering, to the customer according to a second criteria via a plurality of marketing channels, a second discount for the product; and 
 a third marketing message offering, to the customer according to a third criteria via a plurality of marketing channels, a third discount for the product. 
 
     
     
       12. The device of  claim 11 , wherein the analysis results identify which of the first marketing message, the second marketing message, or the third marketing message resulted in most purchases of the product. 
     
     
       13. A non-transitory computer readable medium storing software instructions that, when executed by one or more processors, configures the one or more processors to:
 provide, from a testing laboratory device and to a merchant device associated with a first merchant, data to display at a display of the merchant device a graphical user interface comprising:
 a first area configured to receive a selection of a type of marketing channel and customizable message content, the customizable message content listing a product; and 
 a second area configured to receive a selection of a type of marketing offer and a customer segment; 
 
 receive, by the testing laboratory device, a market analysis request from the merchant device comprising identifications of a type of marketing channel, customizable message content, a type of marketing offer, and a customer segment, the identifications being based on at least one selection received by the first area and at least one selection received by the second area; 
 determine that the market analysis request cannot be completed based on existing data accessible to the testing laboratory device; 
 transmit, based on the determination that the market analysis request cannot be completed, a marketing message to a client device associated with a customer based on the identifications in the request; 
 receive, by the testing laboratory device, cookie data of the client device associated with the customer, the cookie data comprising (i) a tracking number identifying a financial service account of the customer and (ii) online activity of the customer; 
 determine the customer received the marketing message based on the received cookie data; 
 determine, by the testing laboratory device, transaction data and a portion of the cookie data associated with an online purchase by the customer occurring in response to the marketing message, wherein:
 the transaction data (i) is received by the testing laboratory device from a database separate from the testing laboratory device and associated with the financial service account of the customer and (ii) indicates that the online purchase is within a pre-determined time period of the customer receiving the marketing message, 
 the cookie data indicates online activity that is related to the online purchase and is within the pre-determined time period of the customer receiving the marketing message, and 
 the online purchase is an online purchase of the product from a second merchant and is associated with the financial service account of the customer; 
 
 receive financial data associated with financial transactions of the customer from the database; 
 receive demographic information associated with the customer, the demographic information comprising at least one of the customer's income, the customer's personal interests, the customer's current location, or the customer's marital status; 
 determine, by the testing laboratory device, analysis results responsive to the received market analysis request, the determination being based on the transaction data, the portion of the cookie data, and at least one of the financial data or the demographic information, wherein the analysis results comprise a plurality of transaction data for purchases of different customers, the customers having similar financial data or demographic information; 
 generate, by the testing laboratory device, a report indicating at least the determined analysis results; and 
 provide, by the testing laboratory device, the report to the merchant device. 
 
     
     
       14. The medium of  claim 13 , wherein determining the transaction data associated with the online purchase includes at least a determination that the online purchase was made within a specified time period for the product based on stock keeping unit (SKU) data. 
     
     
       15. The medium of  claim 13 , wherein the online activity comprises an internet browsing history associated with the client device associated with the customer. 
     
     
       16. The medium of  claim 13 , wherein the marketing message comprises:
 a first marketing message offering, to the customer according to a first criteria via a plurality of marketing channels, a first discount for the product from the first merchant; 
 a second marketing message offering, to the customer according to a second criteria via a plurality of marketing channels, a second discount for the product; and 
 a third marketing message offering, to the customer according to a third criteria via a plurality of marketing channels, a third discount for the product. 
 
     
     
       17. The medium of  claim 16 , wherein the analysis results identify which of the first marketing message, the second marketing message, or the third marketing message resulted in most purchases of the product. 
     
     
       18. The method of  claim 1 , wherein determining the transaction data associated with the online purchase includes at least a determination that a purchase link associated with the marketing message was clicked within a specified period of time. 
     
     
       19. The device of  claim 7 , wherein determining the transaction data associated with the online purchase includes at least a determination that a purchase link associated with the marketing message was clicked within a specified period of time. 
     
     
       20. The medium of  claim 13 , wherein determining the transaction data associated with the online purchase includes at least a determination that a purchase link associated with the marketing message was clicked within a specified period of time.